---
type: "Topics"
locale: "zh-CN"
url: "https://longbridge.com/zh-CN/topics/39241795.md"
description: "A personal viewpoint from private discussions:What humans need is a stable financial system with customer service to complain to, the ability to reverse erroneous transfers, and legal protections. This is precisely the value of the traditional banking system.What AI needs is a purely digital, borderless, programmable, censorship-resistant value transfer protocol capable of instant settlement.As long as humans manage money, traditional payments will always have a place. Once you remove humans from payment decisions, things might change."
datetime: "2026-03-13T06:45:40.000Z"
locales:
  - [en](https://longbridge.com/en/topics/39241795.md)
  - [zh-CN](https://longbridge.com/zh-CN/topics/39241795.md)
  - [zh-HK](https://longbridge.com/zh-HK/topics/39241795.md)
author: "[輸棟樓的韭菜](https://longbridge.com/zh-CN/profiles/10647684.md)"
---

> 支持的语言: [English](https://longbridge.com/en/topics/39241795.md) | [繁體中文](https://longbridge.com/zh-HK/topics/39241795.md)


# A personal viewpoint from private discussions:What…


## 评论 (2)

- **默沫vfre · 2026-03-13T07:32:18.000Z**: 💰Isn't it generated by transactions? And transactions only occur between people. So how can people detach themselves from managing money? Therefore, will traditional banking transaction systems continue to exist, and does the existence of currency also serve to fulfill other human needs?
  - **輸棟樓的韭菜** (2026-03-13T08:01:14.000Z): Do you trade to control the trade, or for the best trading outcome? If you spend 10,000 to buy a bag, with unknown quality; but AI can guarantee to help you buy a more value-retaining, better-looking,